Add up your assets and liabilities to calculate your complete net worth. Update the sliders to match your current financial picture.
Assets
Liabilities
Your Net Worth
Net Worth
$132,000
The Net Worth Calculator adds up everything you own — cash, savings, investments, your home, vehicles, and other valuables — and subtracts everything you owe, including your mortgage, car loans, student loans, and credit card balances. The result is your net worth: a single number that summarizes your overall financial position at this moment.
Net worth is one of the most useful numbers in personal finance because it captures progress that income alone doesn't show. Two people earning the same salary can have very different net worths depending on debt levels and savings habits. Tracking this number every few months — rather than focusing only on monthly cash flow — shows whether your financial decisions are actually building wealth over time.
Net Worth = Total Assets − Total LiabilitiesTotal Assets is the sum of everything you own at current market value. Total Liabilities is the sum of everything you owe. A positive net worth means your assets outweigh your debts; a negative net worth (common early in life, e.g. with student loans) means the reverse.
Example 1: Early-career household
Assets: $8,000 checking + $15,000 savings + $20,000 investments = $43,000. Liabilities: $35,000 student loans + $6,000 credit cards = $41,000.
Net worth = $43,000 − $41,000 = $2,000. Modest but positive — paying down high-interest credit card debt first would improve this fastest.
Example 2: Homeowner mid-career (this calculator's defaults)
Assets: $8,000 checking + $25,000 savings + $50,000 investments + $350,000 home + $20,000 vehicles + $5,000 other = $458,000. Liabilities: $280,000 mortgage + $12,000 car loan + $30,000 student loans + $4,000 credit cards = $326,000.
Net worth = $458,000 − $326,000 = $132,000. The home equity ($70,000) is the single largest contributor.
Example 3: Negative net worth right after college
Assets: $2,000 checking + $1,000 savings = $3,000. Liabilities: $45,000 student loans + $3,000 credit cards = $48,000.
Net worth = $3,000 − $48,000 = −$45,000. This is common and not a crisis — the goal is to track the trend upward as loans are paid down and savings grow.
Methodology
Net Worth = Total Assets − Total Liabilities. Assets are valued at current market value. Liabilities are outstanding balances owed.
Net worth = total assets minus total liabilities. It is the single best snapshot of your financial health. Positive net worth means you own more than you owe; negative means the reverse.
A common benchmark is to have a net worth equal to your annual salary by age 30, 3× by 40, 6× by 50, and 8× by 60. These are rough guides — your situation depends on income, cost of living, and goals.
Yes, at its current market value minus the outstanding mortgage balance. The equity portion (value minus debt) is your real net worth contribution from the home.
Disclaimer: Calculations are for informational purposes only and do not constitute professional financial advice. Please consult with a certified professional before making financial decisions.